Wells Fargo Reflect® Card: annual fee, APR and rewards

Fact sheet for the Wells Fargo Reflect® Card, issued by Wells Fargo, with no annual fee and an intro APR offer. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Wells Fargo
Network	Visa
Annual fee	$0
Rewards	No rewards
Purchase APR	17.74%, 24.24%, or 28.49%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Intro APR	0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Balance transfer fee	5% for each balance transfer, with a minimum of $5
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 28.24%, with a range of 16.49% to 28.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.